Budgeting and staying out of debt. It’s something we can all do better. We know that there has to be some kind of change, but do we really know where to start? Lucky for you, we did all the hard work. Now all you have to do is follow through on these great ways to manage your monthly budget better.
Automatic Bill Payment
Using an auto-payment service can save you time, stress, and money in the long run. AutoPayPlusoffers a service that is unique because not only does it allow you to avoid costly late fees or manage your bills in one place, but also works with each of your lenders to implement an accelerated debt reduction payment schedule. AutoPayPlus helps to get you out of debt faster and potentially help to build you valuable equity and/or reduce total interest payments.
Never worry again about when your bills are due or the possibility of “snowballing” into debt. Get your loans paid off quicker and tailor your budget towards a life that’s debt-free.
A loan consolidation can be attractive to people that are up to their neck in debt. Though the appeal of a paying a single monthly payment at a low interest rate seems like a promising one, it will probably cost you more in the long haul. The odds are that you won’t want to get yourself caught up doing a loan consolidation unless you’re truly and hopelessly drowning with high interest rates and high monthly payments.
But if that is the case, understand what your monthly payment will be. If it’s just as much, or higher but fits into your budget, you might simply want to consider paying off your bills on your own with increased payments. Otherwise you will probably end up paying more in interest payments, since your loan will likely be over a long span of time.
Debt Management Plan
Choosing a Debt Management Plan can help you stay organized and on time with your bills through realistic budgeting. Most financial experts recommend using a DMP as the best method for debt consolidation. Through this method, you send one payment to the agency running it and then the amount will be split amongst your creditors. This might affect your credit score, but once you have paid of your debt in 3-5 years, your score should definitely improve.
With the help of a certified credit counselor, you can be on your way to meeting your financial goals, improving your credit, and being in control of your finances.
The best way to manage your debt and your budget is to avoid debt in the first place. Of course, it’s easier said then done. But the earlier and faster you come to terms without the idea of smart budgeting, the earlier you will be living a life with less stress.
First understand why many people get into debt:
What you can take away from these debt causes is that you want to put yourself on a strict and realistic budget that allows you to balance your income from your expenses. When you have extra money, put it into a savings account for those unexpected expenditures. Avoid overspending on things that aren’t necessities and be sure to plan. If you’re already in debt try one of the other three methods and when you succeed, don’t ever go down that road again.
There are many businesses out there that have found a commercial janitorial company that they like and want to continue using. There is still the question of how often do you have them come and clean your carpet? The tricky part about carpets is you can never fully tell how dirty they truly are. Due to this fact, many ignore cleaning carpets just because they only look clean. The reality is that you need your businesses’ carpet needs a consistent cleaning service to avoid the build up of mold, mildew, dust, dirt, and many other problems that could persist from poorly maintained carpets.
You won’t know how often you will need your carpet cleaned until you have a professional from the cleaning company of your choice come and help give you an estimate. You need to do this because every estimate is different. It is based on the type of carpet you have, how much traffic you normally have, and even what type of business yours is. Estimates could also range based on the colors, or styles. For example, if you have a lighter carpet then they tend to trap more dirt particles in the fibers.
How often you should have your carpet cleaned also depends on the types of cleaning services you are willing to purchase to have done. There is a whole range of cleaning products and services including steam cleaning, shampooing, or vacuuming that can produce all different effects when cleaning your carpet.
Lastly, always consider the customer and how an old, moldy carpet could cause them discomfort and even could be a health risk. Also don’t forget about the employee’s happiness. A clean work environment could increase work performance, and make everyone feel more comfortable overall.
In the world of business and retail, the advancements in technology devices are making the act of business transactions more efficient and accessible for customers and business owners. The advent of mobile device payment options have come into the forefront of retail sales procedures in a big way this decade. This allows customers to pay on the go with a smartphone, tablet, apple or android device. When devices are linked with the correct applications and accounts, this makes online mobile payments a breeze. For businesses deciding whether to utilised this form of payment, here are a few of the advantages of the use of this technology.
– Safe and secure: Your customers data for their accounts and cards will remain safe with special encryption during the transaction.
– Inventory: Upload pictures, add descriptions and access your inventory data quick and easy on a mobile device.
– Sales history: You can view and manage sales history in an easy, effective manner when people use online devices. You wont have to wait to settle totals as when it comes to the past electronic transaction process of Eftpos.
The real benefits of utilising new methods of mobile payment devices lie beyond just these examples – it’s all about the efficiency and ease of the purchasing experience for customers. When your business boasts the use of these innovative technologies, your company is seen as a reputable, modern and innovative business which will draw even more customers to your retail products or services. There are many devices out there for you to choose from, and you can find a great selection of the range online, as well as expert advice and tips for which device is right for you.
For more information on Mobile Payments contact ARX Payment Services: http://arxpay.com/
When undertaking a new exercise program, an unexpected, yet common occurrence for some is actually gaining weight in the early phases of the regime. Research has shown that particularly those people who led relatively sedentary lifestyles prior to exercising do not lose weight straight away, and sometimes end up gaining weight. This phenomenon may not make sense, though when taking into account what weight loss really requires, then it is an established fact that excise alone cannot be counted on for weight loss.
Researchers agree that the problem lies in the fact that more energy expenditure (calories burned) leads to more energy consumption. So those who are beginning a new exercise program may find that their appetite increases, thus leading to more food consumption. It has been stated that particularly when it come to aerobic exercise, such as swimming, walking, running and cycling, this leads to more production of the hormones which regulate appetite, leading to more hunger and more desire to intake more energy.
Another phenomenon which has been found to occur is when people create a workout schedule, and actually compensate (perhaps unknowingly) for that period of activity by being more inactive afterwards, which leads to less energy expenditure for the rest of the day. In short, were it to be the case of exercising for just 1 hour, and allowing ourselves to rest more than regularly, whilst eating more than we usually would due to increased appetite, then this can all lead to more energy being consumed than what was actually expended, meaning weight gain, instead of weight loss. To ensure that your program is giving you the results you desire, be sure to moderate your food intake, eating fresh, healthy fruits and vegetables and not gorging straight after a workout. As well, be sure to maintain constant movement and activity throughout the day. Talking to a certified health physician will also greatly benefit you!
It often seems almost impossible to even think about starting a savings these days. With a little bit of effort and creativity it can be done. Here is a review of five easy steps according to the Federal Trade Commission that anyone can do to start saving money.
The first step is know where you’re at with your money. Compile a list of all your income, this can include any money you receive on a consistent basis. Then list all your fixed expenses such as mortgage, utilities, and cell phones. On a separate list, write down all your variable expenses. These would be items such as clothing, entertainment, gifts, and even your daily latte at your favorite coffee shop. The small expenses do matter. Now you know how much money you are bringing in and how much you are spending.
The second step is to set up a system where you pay yourself first. This could be an auto-deduction from you paycheck into a payroll savings plan, or an auto-transfer at your bank from your checking into your savings. Whatever method works best for you, this is an important step to guarantee you are putting some money into your savings on a regular basis. At first it will be a bit harder. Once you get used to not having the money to spend, and you see your savings grow you it will get easier.
The third step is a little more complicated, but don’t worry you can do this. Learning about and understanding compound interest will help you with your goal to save. The Federal Trade Commission explains compound interest as “the interest you earn on your initial investment plus all the interest that accumulates over time.” There is compound interest and simple interest. Simple interest is when you earn interest on your initial investment only. Compound interest is the better investment.
The fourth step is a pro-active step to savings. When you have “extra” money, you put it into your savings. When you get a raise take the additional money and have that transferred into your savings. If you pay off a debt such as a credit card or car payment, take the monthly payment you would have made and transfer it to your savings. To make it easy, have this automatically transferred from your checking to your savings.
The fifth step is be creative about saving money. Local beauty school students often give free or reduced haircuts. How about bringing a homemade lunch to work. Instead of buying books, music and DVD’s, get them from your local library. All you need is a library card. They give those away for free. How about using old-fashioned bartering. You have skills, and people need your skills, and you need their skills. It’s beautiful and free.
Saving money doesn’t have to be difficult or painful. You can enjoy your coffee shop latte, just cut back to once a week. AutoPayPlus could help you save yourself over fifty dollars a month with just that simple step.
Especially in the winter season, sore throats can be a common and frustrating occurrence, rendering you with low energy and low enthusiasm to accomplish what you want and need to do. It can be the first sign of a cold, a straining of your voice, or sometimes an indication of a more serious phenomenon. Whatever the case you find yourself in, relieving a sore throat without prescription medication is a sought after option. Here are 4 easy tips for nourishing your throat without the need to leave your home.
Honey, lemon and ginger tea is a well-known remedy for coughs and colds. The therapeutic benefit of honey in particular is great to relieving the sting of a sore throat. The hot water also aids in soothing pain.
Although not as pleasant as warm tea, salt has a bacteria killing effect when gargling with warm water. It can reduce any swelling and loosen the mucus inside the throat. Gargle half a teaspoon of salt in a warm glass of water numerous times a day.
Always drink water. It’s a simple fact that fluids flush your system. When your body is fighting off any illness, it needs the support of water to flush toxins from the body, and give your cells energy and vitality to boost your immune system.
Getting a good amount of sleep, as well as taking it easy on your body and mind is one of the best things to do in any case of illness. This is the time the body takes to rejuvenate itself, and for the immune system to really kick in. Rest is extremely important for beating a virus and reliving itself of any niggling symptoms, such as sore throats.
Find out more about staying healthy so you won’t have to undergo these problems by contacting your local physician.
Bed bugs can be a nasty occurrence in any home. Especially if you come across these critters making a home in yours or your children’s bed, these bugs can leave you tired, itchy and annoyed. Though there are more issues beyond just an interrupted sleep with bed bugs, they can create health issues for people who have allergic reactions, and are generally more detrimental to children who are more susceptible to rashes from bites.
Detecting your problem early is the best way to ensure that your space is bed bug free, whilst avoiding the large costs of removing infestations. One of the first warning signs are bites, which can often and easily be mistaken as mosquito bites. A sure sign to tell what the bites are is that bed bug bites come in a cluster of three. If you are suspicious about your bites, then inspect your bed for signs of bugs. Look under the sheets, around the edges of the bed, on the headboard, etc. Look for bugs themselves, or the little brown spots, which are usually left behind if they’ve been around. If you do see signs of bed bugs, or are still unsure whether they are there, it is advised to call a professional. They will exterminate infestations and usually give you recommendations for what you’ll need to do to clear the rest of your home. Things like full home vacuuming and washing sheets and clothes is highly recommended. As a preventative method, this is also a way that you can reduce the risk of bed bugs occurring in the first place. Regularly wash sheets, clean the frame of the bed, vacuums hard to reach areas in all rooms (especially under the bed).
If you’d prefer a professional service to check your home, then there are many different companies available for you to use. Pest removal services usually handle bed bug issues. There is also lots of information available online for more lifestyle changes that you can make to prevent these pests from invading your space.
Our skin is delicate. Just as the seasons impact on lifestyle changes with different activities and even affecting our moods, so too does our body – and skin in particular – react to the changes of seasons. Especially from winter to summer, or even spring for some of us, there are many changes in the way your skin reacts to the different temperatures and moistures of the air, so it is important to know how best to take care of your skin when the outside world changes. Here are our top tips for caring for your skin when the weather warms up:
In warm weather, most skin types are more prone to oily-ness. Consider switching from winter suited dry skin products to an oily or normal skin care range for spring and summer. Additionally, moisturizing and cleansing won’t do nearly as much benefit for your skin if the dead, dry skin is not properly removed. It’s important to have an exfoliation ritual in your skin care regime.
For warmer months, the skin prefers a more lightweight coverage, as your pores tend to open more in heat and through sweating. The skin will naturally not be as dry as in colder climates, so using different moisturizer products, both at night and during the day, is necessary to allow the skin to breathe.
Usually hand in hand with the weather heating comes more sun and clear days where the UV radiation is more pronounced and affecting to the skin. If you know you will be spending more time outdoors, especially during the middle part of the day, always keep with you a high quality sunscreen to protect your skin. This should be a year round habit, no matter the weather. Though generally, outdoor activities become much more regular in warmer months, and thus, the need for sun protection is much more vital.
For more help with your skin, seek out the professionals: http://orlandoskinsolutions.com
EMDR therapy was discovered in 1987. It is a psycho-therapeutic model for the integration of the cognitive-thinking, emotional-feeling, and physical aspects of the whole person. The process of EMDR deals with the past, present and future simultaneously.
In EMDR therapy the theory is that the brain stores information about every experience we have. If the experience is a traumatic one, the memory can be stored in a dysfunctional way. When we experience a situation it is this damaged material that is unconsciously tapped into which creates dysfunctional emotional and physical responses. This can cause increased anxiety, panic attacks and avoidance of similar situations.
Bilateral stimulation is the basis of EMDR Therapy. This consist of alternating left-right stimulation of the body and brain. During EMDR the person focuses on an internal state such as an image, a memory, or a physical sensation. The left side and the right side of the body, and simultaneously the left side and the right sides of the lobes in the brain, are being stimulated with alternating sequences through various tones heard through a set of headphones. This activates the brain to begin to process and integrate any dysfunctional information of locked traumatic memories. The speed and intensity of the stimulation can be varied depending on what feels right for the individual and what seems to be the most therapeutically effective.
Trauma responses happen when you experience a very emotional situation and at the time of the event you are unable to process the information. This can leave you feeling distressed. The symptoms linger and will not go away. The events that can cause a trauma can seem to be trivial ones such as bullying or abandonment, or they can be large ones such as assault or rape.
EMDR can help with many issues due to trauma at all levels. Some of the issues that can be dealt with include anxiety, depression, panic, dysfunctional body image, lack of assertiveness, procrastination, sabotaging behaviors, frustration or anger, loss of interest, addictions, concentration problems, self-abusive behaviors, and suicidal thoughts. This type of therapy can also help with physical illness due to dysfunctional memories. Some changes with EMDR can be extreme and bring about great relief and some are more subtle.
Our feelings and thoughts are reflected through what we communicate and our behaviors. An event you experience may seem benign to you but later will create an unconscious physical or emotional response that seemed from out of nowhere. EMDR can help you to recreate and change the dysfunctional information gathered by your brain at the original experience to a healthier response. Working with the mind and the body, EMDR therapy works to integrate the whole person.
Many people suffer from psychological issues due to traumatic events they experienced in their past. The psychological issues are due to the dysfunctional information about the event that was stored in the brain. EMDR therapy can help release the memories associated with a traumatic event to help alleviate and heal both the mind and body.
Among health kicks and career goals, New years resolutions often reference financial matters. Especially in a time preceding holidays, which more often than not break the bank, this can be a time where those with families feel the effect of overspending. To begin again and start the year fresh, we offer 3 simple financial tips for families.
Though it’s not the most enjoyable experience to sit down and do the math, creating and setting budgets is one of the most effective ways to be transparent in understanding your income and spending habits. Start with simple figures like monthly earnings from all contributions, and then get an overview of lifestyle spending of groceries, utilities, activities, school costs, etc. This will give you a basic idea of whether you are living in your means, or racking up more debt.
Whether mortgages, loans or credit cards, make a list of all debts and be sure to know your plans of repayments for each one. Categorize into short and long term debts for more clarity. To really get on top of repayments in the most effective way, consult a financial professional to advise which debts you should repay first, and how often repayments can be made.
ESPECIALLY important for those with dependent children, be sure to be future savvy and keep a retirement fund active in your savings plan. For couples, consider consolidating retirement accounts for an ease of calculating future budgeting, as well as minimising fees. Contributing to a retirement fund also ensures that your children will not have the burden of financial responsibility for you later in life, also consider life insurance policies, which include funeral costs and insurances.